``While Bank of America is ostensibly devoting around $7bn of the money to consumers, homeowners will actually see very little money or help... [But] as of 31 March of this year, five months after [JPMorgan's] settlement, JPMorgan only claimed verifiable modifications on 100 loans, for a grand total of $6m in credited relief -- a little under 1% of the total it has promised. Even though the settlement provides a bonus credit for relief delivered within the first year, JPMorgan has decided to stretch things out. ''